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Zopa: Smart Saver reviews

Name: Smart Saver
Rating: 4.82 (8146 reviews)

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4.82

Based on 8,146 reviews, last reviewed 7th May 2026

96% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy, does what is says on the tin and it is possibl... Easy, does what is says on the tin and it is possible to speak to someone if needed. Reviewed on: 7th May 2026

Latest lowest rating:

1

Very poor customer service. The financial product is as good as any other financial provider, however, their customer service is appalling. You get cut off or passed from person ... Read more Reviewed on: 17th November 2025

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About this product

Zopa Bank have an instant access savings account called Smart Saver.

Smart Saver can be opened with just £1 and you can split your savings into personalised pots using the Zopa Bank app. You can save up to £250,000 across Smart Savings Hub pots.

Zopa Bank Smart Saver account reviews help you find out what it’s like to be a customer. If you’ve used Zopa Bank before, you can also leave a review and share your experience.

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Zopa Smart Saver reviews (8146)

Great APP, flexible product offering.

Great APP, flexible product offering. Very competitive interest rates Reviewed on: 8th January 2024

Puts me in control

Quick to set up, easy to use, very flexible, puts me in control of my finances. Love the 'pots' features, multiple saving rates, and ability to shape my account. Reviewed on: 8th January 2024

Zopa account

Easy access to the account via on line Reviewed on: 8th January 2024

Easy to set up and a good interest rate

Easy to set up and a good interest rate for different savings accounts. Monthly interest payments make it a good choice and taking money out is simple and transfers take approximately 15 minutes. All in all I am happy with the service and have recommended Zopa to others Reviewed on: 8th January 2024

Really easy to use and organise savings.

Really easy to use and organise savings. I like the ability to use pots to split out savings for specific purposes, and the interest rate has always been on the higher end of the market. The app is very clean and easy to use, and the bank transfer system is very straightforward and quick. Reviewed on: 8th January 2024

Savings rate always very good,had a loan with them i...

Savings rate always very good,had a loan with them in the past and that was a good rate also, Reviewed on: 8th January 2024

I get the best rates of interest paid monthly

I get the best rates of interest paid monthly in pots of money I can chose,according to the amount of notice I need to give. Transfer of money to the smart account and around the pots in very easy . Reviewed on: 8th January 2024

Zopa is a brilliant App.

Zopa is a brilliant App. I love the fact that it is user friendly, helps you to keep track of finances by using pots ie holidays, charities, weddings etc. In addition, their are different levels of interest 7 days, 30 days and 90 says which are very competitive When you give notice the interest is applied. Money is transferred easily to current account which is also (if you want) linked to your main account and takes no time to reach your current account. I would definitely recommend to anyone who is a saver like myself and loves your finances to be organised Zopa is the online App for me. Reviewed on: 8th January 2024

Great for easy access.

Great for easy access. Very fast money transfers. Reviewed on: 8th January 2024

The interest rates are always very good as the app i...

The interest rates are always very good as the app is very easy to use. Reviewed on: 8th January 2024

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